Important Information about Business Deposit Accounts
BUSINESS CHECKING ACCOUNT

Minimum balance to open account - You must deposit $100.00 to open this account. 

Rate information - This is a “Non-Interest Bearing” account. 

Minimum balance to avoid imposition of fees - A service charge fee of $22.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 on any day of the statement cycle or a monthly average balance of $5,000.00. Monthly service charge can be reduced by $2.00 with enrollment in eStatements.

Other Limitations - High volume accounts are subject to cost analysis. 

  • A $0.30 per item fee will be charged for each debit exceeding a quantity of 150 each statement cycle;
  • A $1.50 per item fee will be charged for each credit exceeding a quantity of 20 each statement cycle.


BUSINESS INTEREST CHECKING ACCOUNT (Available to Sole Proprietorships and Non-Profit Organizations)

Minimum balance to open account - You must deposit $100.00 to open this account. 

Minimum daily balance to earn interest - $5,000.00 (No interest earned on days the balance falls below $5,000.00). 

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield. 

Rate information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example - checks). 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Minimum balance to avoid imposition of fees - A service charge fee of$24.00 will be imposed every statement cycle if the balance in the account falls below $3,500.00 on any day of the statement cycle or a monthly average balance of $7,000.00. Monthly service charge can be reduced by $2.00 with enrollment in eStatements. 

Other Limitations - High volume accounts are subject to cost analysis. 

  • A $0.30 per item fee will be charged for each debit exceeding a quantity of 150 each statement cycle;
  • A $1.50 per item fee will be charged for each credit exceeding a quantity of 20 each statement cycle.
  • Interest earned is deducted from earnings credit when on analysis.


COMMERCIAL INTEREST CHECKING ACCOUNT (Available to Corporations, Partnerships and Limited Liability Corporations)

Minimum balance to open account - You must deposit $500.00 to open this account. 

Minimum daily balance to earn interest - $10,000.00 (No interest earned on days the balance falls below $10,000.00). 

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $10,000.00 in the account each day to obtain the disclosed annual percentage yield. 

Rate information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. 

Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example - checks). 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Minimum balance to avoid imposition of fees - A service charge fee of$27.00 will be imposed every statement cycle if the balance in the account falls below $5,000.00 on any day of the cycle or a monthly average balance of $7,500.00. Monthly service charge can be reduced by $2.00 with enrollment in eStatements. 

7 Day Notice - This account is not subject to the requirement to provide us with 7 days’ notice before each withdrawal. 

Other Limitations - High volume accounts are subject to cost analysis. 

  • A $0.30 per item fee will be charged for each debit exceeding a quantity of 150 each statement cycle;
  • A $1.50 per item fee will be charged for each credit exceeding a quantity of 20 each statement cycle.
  • Interest earned is deducted from earnings credit when on analysis.


CONTRACTOR RETENTION ACCOUNT (Restricted - Prior Approval Required) 

Minimum balance to open the account - You must deposit $500.00 to open this account. 

Minimum balance to avoid imposition of fees - A service charge fee of$22.00 will be imposed every statement cycle if the balance in the account falls below $5,000.00 any day of the statement cycle or a monthly average balance of$7,500.00. Monthly service charge can be reduced by $2.00 with enrollment in eStatements.

Minimum daily balance to earn interest - $5,000.00 (No interest earned on days the balance falls below $5,000.00). 

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield. 

Rate Information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. 

Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 

Transaction fees: There are no per item transaction fees. 

Other limitations: Interest earned is deducted from earnings credit when on analysis. Contact your account officer for more information. 


BUSINESS NON-PROFIT CHECKING ACCOUNT (Available to Non-Profit Organizations, Unincorporated Lodges,Associations and Non-Profit Corporations) 

Minimum balance to open account - You must deposit $100.00 to open this account. 

Rate information - This is a “Non-Interest Bearing” account. 

Minimum balance to avoid imposition of fees - A service charge fee of$5.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 on any day of the cycle or a monthly average balance of $5,000.00. Monthly service charge fee can be waived with enrollment in eStatements.

Other Limitations - High volume accounts are subject to cost analysis 

  • A $0.30 per item fee will be charged for each debit exceeding a quantity of 150 each statement cycle;
  • A $1.50 per item fee will be charged for each credit exceeding a quantity of 20 each statement cycle.


BUSINESS LEGAL TRUST CHECKING ACCOUNT (Available to Sole-Proprietorships) 

Minimum balance to open the account - You must deposit $100.00 to open this account. 

Rate Information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. 

Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 

Transaction fees: There is no monthly service charge or per item transaction fees. 


PUBLIC CHECKING ACCOUNT (Available to Public Entities) 

Minimum balance to open the account - You must deposit $100.00 to open this account. 

Minimum balance to avoid imposition of fees - A service charge fee of$20.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle or a monthly average balance of$5,000.00. 

Rate information - This is a “Non-Interest Bearing” account. 

Other Limitations - High volume accounts are subject to cost analysis. 

  • A $0.30 per item fee will be charged for each debit exceeding a quantity of 150 each statement cycle;
  • A $1.50 per item fee will be charged for each credit exceeding a quantity of 20 each statement cycle.


PUBLIC INTEREST CHECKING ACCOUNT

Minimum balance to open the account - You must deposit $100.00 to open this account. 

Minimum daily balance to earn interest - $5,000.00, or an average monthly balance of $7,500.00 (No interest earned on days the balance falls below $5,000.00). 

Minimum balance to avoid imposition of fees - A service charge fee of$22.00 will be imposed every statement cycle if the balance in the account falls below $5,000.00 any day of the cycle or a monthly average balance of$7,500.00. 

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield. 

Rate Information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. 

Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 

Other Limitations - High volume accounts are subject to cost analysis. 

  • A $0.30 per item fee will be charged for each debit exceeding a quantity of 150 each statement cycle;
  • A $1.50 per item fee will be charged for each credit exceeding a quantity of 20 each statement cycle.
  • Interest earned is deducted from earnings credit when on analysis accounts.

Contact your account officer for more information. 


MUNI CHECKING ACCOUNT

Minimum balance to open the account - You must deposit $5,000.00 to open this account. 

Minimum daily balance to earn interest - $10,000.00 (No interest earned on days the balance falls below $10,000.00). 

Minimum balance to avoid imposition of fees - A service charge fee of $25.00 will be imposed every statement cycle if the balance in the account falls below $10,000.00 any day of the cycle. 

Rate Information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. 

Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

7-Day Notice - This account is subject to the requirement to provide us with 7 days’ notice before each withdrawal. 

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $10,000.00 in the account each day to obtain the disclosed annual percentage yield. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 

Other Limitations - High volume accounts are subject to cost analysis. 

  • A $0.30 per item fee will be charged for each debit exceeding a quantity of 150 each statement cycle;
  • A $1.50 per item fee will be charged for each credit exceeding a quantity of 20 each statement cycle.


MONEY MARKET ACCOUNT 

Minimum balance to open the account - You must deposit $2,500.00 to open this account. 

Minimum balance to avoid imposition of fees - A service charge fee of $12.00 will be imposed every statement cycle if the balance in the account falls below $3,500.00 on any day of the cycle. 

Minimum daily balance to earn interest - $3,500 (no interest earned on days balance falls below $3,500)

Rate Information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. 

Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 

Transaction limitations: Limited to six transfers or withdrawals per month when: made from a Money Market account to a third party by phone, fax, computer, check, debit card, ACH, bill payment, automatic transfer, or made to another account of yours if made by phone, fax, or transferred to another account of yours if made by bill payment, ACH, or automatic transfer. If you exceed these transfer limits, we may close your account or reclassify it as a transaction account. 

Fees: An excess debit fee of $15.00 will be charged for each debit transaction(withdrawal, check paid, automatic transfer or payment out of this account)in excess of three per month. 


PREMIUM MONEY MARKET ACCOUNT 

Minimum balance to open the account - You must deposit $10,000.00 to open this account. 

Minimum daily balance to earn interest - $10,000.00 (No interest earned on days the balance falls below $10,000.00). 

Minimum balance to avoid imposition of fees - A service charge fee of$17.00 will be imposed every statement cycle if the balance in the account falls below $5,000.00 on any day of the cycle. 

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $10,000.00 in the account each day to obtain the disclosed annual percentage yield. 

Rate Information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. 

Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 

Transaction limitations: Limited to six transfers or withdrawals per month when: made from a Premium Money Market account to a third party by phone, fax, computer, check, debit card, ACH, bill payment, automatic transfer, or made to another account of yours if made by phone, fax, or transferred to another account of yours if made by bill payment, ACH, or automatic transfer. If you exceed these transfer limits, we may close your account or reclassify it as a transaction account. 

Fees: An excess debit fee of $15.00 will be charged for each debit transaction(withdrawal, check paid, automatic transfer or payment out of this account)in excess of three per month. 


PUBLIC MONEY MARKET ACCOUNT 

Minimum balance to open the account - You must deposit $2,500.00 to open this account. 

Minimum daily balance to earn interest - $10,000.00 (No interest earned on days the balance falls below $10,000.00). 

Minimum balance to avoid imposition of fees - A service charge fee of$20.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle. 

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $10,000.00 in the account each day to obtain the disclosed annual percentage yield. 

Rate Information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. 

Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 

Transaction limitations: Limited to six transfers or withdrawals per month when: made from a Public Money Market account to a third party by phone, fax, computer, check, debit card, ACH, bill payment, automatic transfer, or made to another account of yours if made by phone, fax, or transferred to another account of yours if made by bill payment, ACH, or automatic transfer. If you exceed these transfer limits, we may close your account or reclassify it as a transaction account. 

Fees: An excess debit fee of $15.00 will be charged for each debit transaction(withdrawal, automatic transfer or payment out of this account) in excess of three per month. 


BUSINESS SAVINGS ACCOUNT 

Minimum balance to open the account - You must deposit $200.00 to open this account. 

Minimum balance to avoid imposition of fees - A service charge fee of$5.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle. 

Rate Information - Your interest rate and annual percentage yield may change. 

Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 

Transaction limitations: Limited to six transfers or withdrawals per month when: made from a Business Savings account to a third party by phone, fax, computer, check, debit card, ACH, bill payment, automatic transfer, or made to another account of yours if made by phone, fax, or transferred to another account of yours if made by bill payment, ACH, or automatic transfer. If you exceed these transfer limits, we may close your account or reclassify it as a transaction account. 

Fees: An excess debit fee of $3.00 will be charged for each debit transaction(withdrawal, automatic transfer or payment out of this account) in excess of three per month. 


RATES AND ANNUAL PERCENTAGE YIELDS 

For current deposit rates you may contact any of our branches or call 559-298-1775. 


TIME CERTIFICATE OF DEPOSIT 

Refer to your Certificate of Deposit for complete details. 

Rate Information - The interest rate on your account is —————% with an annual percentage yield of —————%. You will be paid this rate until first maturity.

Compounding frequency - Interest will be compounded quarterly,annually, or at maturity. 

Crediting frequency - Interest will be credited to your account every quarter or at maturity. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Minimum balance to open the account - You must deposit □$2,000.00□$100,000.00 to open this account. 

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of □$2,000.00 □$100,000.00 in the account each day to obtain the disclosed annual percentage yield. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue on the business day you deposit non-cash items (for example, checks). 

Transaction limitations:

  • You may not make any deposits into your account before maturity.
  • You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.
  • You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time after crediting to the account during the current term.

Time requirements - Your account will mature ——————————————. 

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) - 

  • If your account has an original maturity of 6 months or less:The fee we may impose will equal 90 days interest on the amount withdrawn subject to penalty.
  • If your account has an original maturity of 12 months:The fee we may impose will equal 180 days interest on the amount withdrawn subject to penalty. 
  • If your account has an original maturity of 18 months:The fee we may impose will equal 270 days interest on the amount withdrawn subject to penalty. 
  • If your account has an original maturity of 24 months:The fee we may impose will equal 365 days interest on the amount withdrawn subject to penalty. 
  • If your account has an original maturity of 36 months:The fee we may impose will equal 545 days interest on the amount withdrawn subject to penalty. 
  • If your account has an original maturity of 60 months:The fee we may impose will equal 910 days interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. 

Withdrawal of interest prior to maturity - The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. 

Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any)or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. 

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance(if any) and other features as the original time deposit.You will have ten calendar days after maturity to withdraw the funds without a penalty. 


NON-SUFFICIENT FUNDS BALANCE 

A non-sufficient funds balance may result from: 

  1. The payment of checks, electronic funds transfers or other in-person withdrawal requests;
  2. Payments authorized by you, including ACH debits;
  3. The return of unpaid items deposited by you;
  4. The imposition of bank service charges;
  5. The deposit of items which according to the Bank’s Funds Availability Policy, are treated as not yet “available” or finally paid;i.e. “Holds placed on items you deposit”;
  6. ATM withdrawals or other electronic means as applicable.


FEES

Please refer to our separate Schedule of Fees. Fees may be subject to change. 


CHECK ORDERS

If you arrange for the printing of your own checks, the form, encoding and format of the checks must follow our check specification requirements. You agree not to print special limitations on checks, withdrawal orders or other items drawn on your account, such as “void over $100,000” or “paid in full”or “void after 90 days.” If you do print any special limitations, you agree that we are not bound by such limitations and you authorize us to pay items without regard to the limitation(s). You also agree to hold the Bank harmless if checks that you order on your own cannot be processed because of the quality of the paper and the type of ink used by the provider.We make checks available that include fraud prevention features. If you choose not to use them or other checks that include fraud prevention features, you agree to assume a heightened degree of responsibility for safeguarding your checks, and for reviewing all returned checks and statements as soon as you receive them. 

Check printing ...........(fee depends on style and quantity of checks ordered;shipping and handling fees may apply)


7 DAY REQUIREMENTS 

We may require no less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a demand deposit,time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

BUSINESS CHECKING ACCOUNT

Minimum balance to open account - You must deposit $100.00 to open this account. 

Rate information - This is a “Non-Interest Bearing” account. 

Minimum balance to avoid imposition of fees - A service charge fee of $22.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 on any day of the statement cycle or a monthly average balance of $5,000.00. Monthly service charge can be reduced by $2.00 with enrollment in eStatements.

Other Limitations - High volume accounts are subject to cost analysis. 

  • A $0.30 per item fee will be charged for each debit exceeding a quantity of 150 each statement cycle; 
  • A $1.50 per item fee will be charged for each credit exceeding a quantity of 20 each statement cycle. 


BUSINESS INTEREST CHECKING ACCOUNT (Available to Sole Proprietorships and Non-Profit Organizations)

Minimum balance to open account - You must deposit $100.00 to open this account. 

Minimum daily balance to earn interest - $5,000.00 (No interest earned on days the balance falls below $5,000.00). 

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield. 

Rate information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example - checks). 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Minimum balance to avoid imposition of fees - A service charge fee of$24.00 will be imposed every statement cycle if the balance in the account falls below $3,500.00 on any day of the statement cycle or a monthly average balance of $7,000.00. Monthly service charge can be reduced by $2.00 with enrollment in eStatements. 

Other Limitations - High volume accounts are subject to cost analysis. 

  • A $0.30 per item fee will be charged for each debit exceeding a quantity of 150 each statement cycle; 
  • A $1.50 per item fee will be charged for each credit exceeding a quantity of 20 each statement cycle. 
  • Interest earned is deducted from earnings credit when on analysis. 


COMMERCIAL INTEREST CHECKING ACCOUNT (Available to Corporations, Partnerships and Limited Liability Corporations)

Minimum balance to open account - You must deposit $500.00 to open this account. 

Minimum daily balance to earn interest - $10,000.00 (No interest earned on days the balance falls below $10,000.00). 

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $10,000.00 in the account each day to obtain the disclosed annual percentage yield. 

Rate information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. 

Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example - checks). 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Minimum balance to avoid imposition of fees - A service charge fee of$27.00 will be imposed every statement cycle if the balance in the account falls below $5,000.00 on any day of the cycle or a monthly average balance of $7,500.00. Monthly service charge can be reduced by $2.00 with enrollment in eStatements. 

7 Day Notice - This account is not subject to the requirement to provide us with 7 days’ notice before each withdrawal. 

Other Limitations - High volume accounts are subject to cost analysis. 

  • A $0.30 per item fee will be charged for each debit exceeding a quantity of 150 each statement cycle; 
  • A $1.50 per item fee will be charged for each credit exceeding a quantity of 20 each statement cycle. 
  • Interest earned is deducted from earnings credit when on analysis. 


CONTRACTOR RETENTION ACCOUNT (Restricted - Prior Approval Required) 

Minimum balance to open the account - You must deposit $500.00 to open this account. 

Minimum balance to avoid imposition of fees - A service charge fee of$22.00 will be imposed every statement cycle if the balance in the account falls below $5,000.00 any day of the statement cycle or a monthly average balance of$7,500.00. Monthly service charge can be reduced by $2.00 with enrollment in eStatements.

Minimum daily balance to earn interest - $5,000.00 (No interest earned on days the balance falls below $5,000.00). 

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield. 

Rate Information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. 

Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 

Transaction fees: There are no per item transaction fees. 

Other limitations: Interest earned is deducted from earnings credit when on analysis. Contact your account officer for more information. 


BUSINESS NON-PROFIT CHECKING ACCOUNT (Available to Non-Profit Organizations, Unincorporated Lodges,Associations and Non-Profit Corporations) 

Minimum balance to open account - You must deposit $100.00 to open this account. 

Rate information - This is a “Non-Interest Bearing” account. 

Minimum balance to avoid imposition of fees - A service charge fee of$5.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 on any day of the cycle or a monthly average balance of $5,000.00. Monthly service charge fee can be waived with enrollment in eStatements.

Other Limitations - High volume accounts are subject to cost analysis 

  • A $0.30 per item fee will be charged for each debit exceeding a quantity of 150 each statement cycle; 
  • A $1.50 per item fee will be charged for each credit exceeding a quantity of 20 each statement cycle. 


BUSINESS LEGAL TRUST CHECKING ACCOUNT (Available to Sole-Proprietorships) 

Minimum balance to open the account - You must deposit $100.00 to open this account. 

Rate Information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. 

Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 

Transaction fees: There is no monthly service charge or per item transaction fees. 


PUBLIC CHECKING ACCOUNT (Available to Public Entities) 

Minimum balance to open the account - You must deposit $100.00 to open this account. 

Minimum balance to avoid imposition of fees - A service charge fee of$20.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle or a monthly average balance of$5,000.00. 

Rate information - This is a “Non-Interest Bearing” account. 

Other Limitations - High volume accounts are subject to cost analysis. 

  • A $0.30 per item fee will be charged for each debit exceeding a quantity of 150 each statement cycle; 
  • A $1.50 per item fee will be charged for each credit exceeding a quantity of 20 each statement cycle. 


PUBLIC INTEREST CHECKING ACCOUNT

Minimum balance to open the account - You must deposit $100.00 to open this account. 

Minimum daily balance to earn interest - $5,000.00, or an average monthly balance of $7,500.00 (No interest earned on days the balance falls below $5,000.00). 

Minimum balance to avoid imposition of fees - A service charge fee of$22.00 will be imposed every statement cycle if the balance in the account falls below $5,000.00 any day of the cycle or a monthly average balance of$7,500.00. 

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield. 

Rate Information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. 

Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 

Other Limitations - High volume accounts are subject to cost analysis. 

  • A $0.30 per item fee will be charged for each debit exceeding a quantity of 150 each statement cycle; 
  • A $1.50 per item fee will be charged for each credit exceeding a quantity of 20 each statement cycle. 
  • Interest earned is deducted from earnings credit when on analysis accounts. 

Contact your account officer for more information. 


MUNI CHECKING ACCOUNT

Minimum balance to open the account - You must deposit $5,000.00 to open this account. 

Minimum daily balance to earn interest - $10,000.00 (No interest earned on days the balance falls below $10,000.00). 

Minimum balance to avoid imposition of fees - A service charge fee of$25.00 will be imposed every statement cycle if the balance in the account falls below $10,000.00 any day of the cycle. 

Rate Information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. 

Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

7-Day Notice - This account is subject to the requirement to provide us with 7 days’ notice before each withdrawal. 

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $10,000.00 in the account each day to obtain the disclosed annual percentage yield. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 

Other Limitations - High volume accounts are subject to cost analysis. 

  • A $0.30 per item fee will be charged for each debit exceeding a quantity of 150 each statement cycle; 
  • A $1.50 per item fee will be charged for each credit exceeding a quantity of 20 each statement cycle. 


MONEY MARKET ACCOUNT 

Minimum balance to open the account - You must deposit $2,500.00 to open this account. 

Minimum balance to avoid imposition of fees - A service charge fee of $12.00 will be imposed every statement cycle if the balance in the account falls below $3,500.00 on any day of the cycle. 

Minimum daily balance to earn interest - $3,500 (no interest earned on days balance falls below $3,500)

Rate Information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. 

Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 

Transaction limitations: Limited to six transfers or withdrawals per month when: made from a Money Market account to a third party by phone, fax, computer, check, debit card, ACH, bill payment, automatic transfer, or made to another account of yours if made by phone, fax, or transferred to another account of yours if made by bill payment, ACH, or automatic transfer. If you exceed these transfer limits, we may close your account or reclassify it as a transaction account. 

Fees: An excess debit fee of $15.00 will be charged for each debit transaction(withdrawal, check paid, automatic transfer or payment out of this account)in excess of three per month. 


PREMIUM MONEY MARKET ACCOUNT 

Minimum balance to open the account - You must deposit $10,000.00 to open this account. 

Minimum daily balance to earn interest - $10,000.00 (No interest earned on days the balance falls below $10,000.00). 

Minimum balance to avoid imposition of fees - A service charge fee of$17.00 will be imposed every statement cycle if the balance in the account falls below $5,000.00 on any day of the cycle. 

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $10,000.00 in the account each day to obtain the disclosed annual percentage yield. 

Rate Information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. 

Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 

Transaction limitations: Limited to six transfers or withdrawals per month when: made from a Premium Money Market account to a third party by phone, fax, computer, check, debit card, ACH, bill payment, automatic transfer, or made to another account of yours if made by phone, fax, or transferred to another account of yours if made by bill payment, ACH, or automatic transfer. If you exceed these transfer limits, we may close your account or reclassify it as a transaction account. 

Fees: An excess debit fee of $15.00 will be charged for each debit transaction(withdrawal, check paid, automatic transfer or payment out of this account)in excess of three per month. 


PUBLIC MONEY MARKET ACCOUNT 

Minimum balance to open the account - You must deposit $2,500.00 to open this account. 

Minimum daily balance to earn interest - $10,000.00 (No interest earned on days the balance falls below $10,000.00). 

Minimum balance to avoid imposition of fees - A service charge fee of$20.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle. 

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $10,000.00 in the account each day to obtain the disclosed annual percentage yield. 

Rate Information - Your interest rate and annual percentage yield may change. This account is a tiered-rate account. The interest rate and annual percentage yield for your account depends upon the applicable rate tier. 

Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 

Transaction limitations: Limited to six transfers or withdrawals per month when: made from a Public Money Market account to a third party by phone, fax, computer, check, debit card, ACH, bill payment, automatic transfer, or made to another account of yours if made by phone, fax, or transferred to another account of yours if made by bill payment, ACH, or automatic transfer. If you exceed these transfer limits, we may close your account or reclassify it as a transaction account. 

Fees: An excess debit fee of $15.00 will be charged for each debit transaction(withdrawal, automatic transfer or payment out of this account) in excess of three per month. 


BUSINESS SAVINGS ACCOUNT 

Minimum balance to open the account - You must deposit $200.00 to open this account. 

Minimum balance to avoid imposition of fees - A service charge fee of$5.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle. 

Rate Information - Your interest rate and annual percentage yield may change. 

Frequency of rate changes - We may change the interest rate on your account at any time. 

Determination of rate - At our discretion, we may change the interest rate on your account. 

Compounding and crediting frequency - Interest will not be compounded. Interest will be credited to your account every month. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 

Transaction limitations: Limited to six transfers or withdrawals per month when: made from a Business Savings account to a third party by phone, fax, computer, check, debit card, ACH, bill payment, automatic transfer, or made to another account of yours if made by phone, fax, or transferred to another account of yours if made by bill payment, ACH, or automatic transfer. If you exceed these transfer limits, we may close your account or reclassify it as a transaction account. 

Fees: An excess debit fee of $3.00 will be charged for each debit transaction(withdrawal, automatic transfer or payment out of this account) in excess of three per month. 


RATES AND ANNUAL PERCENTAGE YIELDS 

For current deposit rates you may contact any of our branches or call 559-298-1775. 


TIME CERTIFICATE OF DEPOSIT 

Refer to your Certificate of Deposit for complete details. 

Rate Information - The interest rate on your account is —————% with an annual percentage yield of —————%. You will be paid this rate until first maturity.

Compounding frequency - Interest will be compounded quarterly,annually, or at maturity. 

Crediting frequency - Interest will be credited to your account every quarter or at maturity. 

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. 

Minimum balance to open the account - You must deposit □$2,000.00□$100,000.00 to open this account. 

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of □$2,000.00 □$100,000.00 in the account each day to obtain the disclosed annual percentage yield. 

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. 

Accrual of interest on non-cash deposits - Interest begins to accrue on the business day you deposit non-cash items (for example, checks). 

Transaction limitations:

  • You may not make any deposits into your account before maturity. 
  • You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. 
  • You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time after crediting to the account during the current term. 

Time requirements - Your account will mature ——————————————. 

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) - 

  • If your account has an original maturity of 6 months or less:The fee we may impose will equal 90 days interest on the amount withdrawn subject to penalty. 
  • If your account has an original maturity of 12 months:The fee we may impose will equal 180 days interest on the amount withdrawn subject to penalty. 
  • If your account has an original maturity of 18 months:The fee we may impose will equal 270 days interest on the amount withdrawn subject to penalty. 
  • If your account has an original maturity of 24 months:The fee we may impose will equal 365 days interest on the amount withdrawn subject to penalty. 
  • If your account has an original maturity of 36 months:The fee we may impose will equal 545 days interest on the amount withdrawn subject to penalty. 
  • If your account has an original maturity of 60 months:The fee we may impose will equal 910 days interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. 

Withdrawal of interest prior to maturity - The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. 

Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any)or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. 

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance(if any) and other features as the original time deposit.You will have ten calendar days after maturity to withdraw the funds without a penalty. 


NON-SUFFICIENT FUNDS BALANCE 

A non-sufficient funds balance may result from: 

  1. The payment of checks, electronic funds transfers or other in-person withdrawal requests; 
  2. Payments authorized by you, including ACH debits; 
  3. The return of unpaid items deposited by you; 
  4. The imposition of bank service charges; 
  5. The deposit of items which according to the Bank’s Funds Availability Policy, are treated as not yet “available” or finally paid;i.e. “Holds placed on items you deposit” 
  6. ATM withdrawals or other electronic means as applicable. 


FEES 

Please refer to our separate Schedule of Fees. Fees may be subject to change. 


CHECK ORDERS 

If you arrange for the printing of your own checks, the form, encoding and format of the checks must follow our check specification requirements. You agree not to print special limitations on checks, withdrawal orders or other items drawn on your account, such as “void over $100,000” or “paid in full”or “void after 90 days.” If you do print any special limitations, you agree that we are not bound by such limitations and you authorize us to pay items without regard to the limitation(s). You also agree to hold the Bank harmless if checks that you order on your own cannot be processed because of the quality of the paper and the type of ink used by the provider.We make checks available that include fraud prevention features. If you choose not to use them or other checks that include fraud prevention features, you agree to assume a heightened degree of responsibility for safeguarding your checks, and for reviewing all returned checks and statements as soon as you receive them. 

Check printing ...........(fee depends on style and quantity of checks ordered;shipping and handling fees may apply)


7 DAY REQUIREMENTS 

We may require no less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a demand deposit,time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.